Aetna Health Insurance in North Carolina
North Carolina residents in need of health insurance often turn to Aetna, and they are not alone. More than 22 million people have Aetna health insurance, and they have access to over 1 million providers. Choosing a plan is the first step in getting Aetna health insurance.
Aetna Health Insurance Plans
Aetna offers a variety of health insurance plans, including Point of Service (POS) plans. These plans are the gold standard of Aetna health insurance options. POS plans are a hybrid of Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) plans. Patients with this kind of plan have a great deal of flexibility when choosing providers, but they do have to pay a higher premium each month.
Those who want to lower their premiums can get an HMO from Aetna in North Carolina. The premiums are low, but it is essential that the insured chooses a provider that’s in the network unless it is an emergency service. Otherwise, the person will have to pay the entire bill.
PPO plans sit in between POS and HMO plans. Insured parties have access to a vast network of providers and can also see out-of-network providers for a higher fee.
High-Deductible Health Plans and Health Savings Accounts
Those who are young and healthy might consider getting a high-deductible health insurance plan. These plans have high deductibles and low premiums and are not a good option for those who have lots of medical needs.
People who are concerned about the high deductible can pair it with a health savings account (HSA). This allows them to put tax-free dollars into a savings account they can access for medical expenses.
Choosing an Aetna Health Insurance Policy in North Carolina
If you aren’t well-versed in insurance, you might not know if you should get an HMO, PPO, POS, or high-deductible health plan. Find out more about the plans and make the right selection by calling us at 1-855-614-5057.